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If you find yourself stuck; in a bit of a pinch and in need of some money, a same day loan could provide the money you need on the day you apply. Whether it be for an unexpected bill, an impromptu holiday or a must-have item that you have your heart set on, a same day loan might be an option for you. A same day loan application is much the same as any other application and the application process is usually done online within minutes. Here are a few tips that could help you get the money you need in the time-frame that you need it.

Time of day matters

Apply early in the day as many people are demanding same day loans. If you are applying late in the day, the chance of getting the funds in your account on the same day is reduced, as you will first need to meet a few requirements before you are able to access the funds.

Get your application in as early as possible for the best chance of getting the same day funds that you require.

Be transparent

Provide accurate information upfront so that it is easier to assess your application. Make sure that you are putting in all the correct information to help your application process run smoothly. Putting in an incorrect drivers’ licence or passport number can slow the process down. Make sure that you apply with your name as it appears on your ID document to avoid confusion. Be sure to put a valid contact number so that the lender can get in touch with you if they need to ask any questions.

Provide everything required in a timely manner

You will need to provide evidence of your income by way of bank statements. Most same day lenders require your most recent 3 months’ worth of bank statements to assess whether you would be eligible for a same day loan. Many companies can provide an electronic link for you to supply these. It is important to send through the required information as soon as possible so that your same day loan can be approved in a timely manner.

Be available

Often, a same day lender will need to talk to you about your application, so be sure to take the call to keep the process moving smoothly. Once your loan is approved, the lender will need to contact you to run through a few things and let you know what to do next. If there is a delay in getting a hold of you, it could prevent you from accessing the funds on the same day.

Tidy bank statements are essential

Make sure that you are paying all your bills on time. A bank statement that is riddled with dishonoured payments will almost certainly not get you far. Lenders are on the lookout for your ability to repay your debts. Make sure that you aren’t drawing down on payday loans as this may cost you your chance of getting approved.

More Information

If you want to talk to us about applying for a loan please call Quick Loans on 0800 200 275 or simply apply online.

Quick Loans can help you with personal loans, cash loans, debt consolidation, and car loans.

This is not legal advice.

There are many different reasons for needing to apply for a personal loan. You may need a car loan, a loan for home improvements, a holiday loan or a loan to cover some educational expenses or an emergency. Applying for a loan can sometimes feel quite daunting, so here are a few tips to help you get on your way to getting the personal loan you need;

 Work out how much you need

Once you have decided that a personal loan is right for you, take the time to work out how much you need to borrow to cover what you need. Try not to borrow more than you need as this may result in you paying more interest in the long run. Don’t be tempted to bump-up the loan amount for “just in case” as you will end up paying more in interest.

 Work out how much you can afford to repay

Work out a budget before you apply so that you are aware of how much you can afford to repay without putting you into financial hardship. It is easy to feel tempted to borrow more and put it over a longer period, but the longer you pay the loan off, the more interest you pay. Check with your loan provider whether they allow additional repayments over the term of the loan so that you can try to pay the loan off faster to save on interest charges. At Quick Loans the more you pay the more you save interest and we don’t have an early settlement fee if you want pay us off from your Lotto earnings.

Shop around for the best deal

 Visit a few personal loans websites to see which lender has the best deal for you. Most lenders display their interest rates and fees on their website or provide a calculator. Check out Quick Loans NZ calculator here. If you know that you have bad credit, you may need to shop around to find a lender that is best able to help you in your current situation. If your credit history isn’t great, you may need security such as a vehicle to use against a loan.

Be prepared to answer questions

A loan provider may need to ask you a few questions with regards to your current financial position. In New Zealand, all lenders are bound by the responsible lending code of practice and are required to ensure that they are not putting you into financial hardship by advancing you a loan. It is important to be upfront and honest about your current financial situation. If you know that your financial situation is going to change dramatically soon, it is your responsibility to inform the lender.

Make sure your finances are tidy

A money lender is on the lookout for someone who can show that they are able to repay a loan. Make sure that you are paying all your bills on time to show a potential lender that you are good at managing your finances. A bank statement that has dishonoured payments and lots of gambling will be a deterrent to most lenders, so be sure to keep on top of your bills. If you have never borrowed money before, you may need to try and build up some credit history before applying for a larger loan. Once you have established some repayment history, a lender may be more likely to help you out with a larger loan.

More Information

If you want to talk to us about applying for a loan please call Quick Loans on 0800 200 275 or simply apply online.

Quick Loans can help you with personal loans, cash loans, debt consolidation and car loans.

This is not legal advice.

With some companies it can sometimes be a difficult process applying for a loan in New Zealand. But with Quick Loans NZ we try and make it as simple as possible for you. Its really important that you are well informed as to the process of applying for a personal loan and that you seek as much advice as you can.

Here are some practical and simple points to follow when thinking to get a personal loan:

How long does it take to apply for a personal loan?

It can take you only a few minutes or a few to apply for a personal loan. Quick Loans NZ have an online application form that can be done in just a few minutes.

What documentation do I need to supply for a personal loan?

We are required by law to identify you and your physical address under the Anti Money Laundering and Countering Financing of Terrorism Act 2009.

This means that you will need to provide us with photo ID which includes your driver licence or passport. We can verify your identification electronically when you enter your ID numbers and expiry dates on our online form. You may need to send us a photo of the physical document.

Also you will need to verify your address – we can often verify your address electronically and it only takes a few minutes in the background.

When will the money be in my account?

Depending on when you apply, the money could be in your account in a matter of minutes*. During our normal business hours, the process can be very quick. We can provide quick clearance of your funds whereas some lenders will not be able to get the cash to you until the next business day.

Keep in mind that we can get cash to you quick once the loan is approved. We need to be provided certain information from you to approve the loan. If the application time takes longer then it will take longer for the funds to be deposited. * Some banks process money transfers at the end of the day and the money may appear in your account in the evening.

Do you offer unsecured loans?

Yes we do. The maximum size unsecured loan is $2,000.

Do I need to provide Security for a Personal Loan?

What security can I use?

A secured loan is where the borrower provides an asset (the security or collateral) that can be used if the lender needs to take a legal claim over that asset in the event that the borrower does not meet the repayments – this is called defaulting on the loan contract.

Here at Quick Loans we offer both secured and unsecured personal loans. Secured loans can be up to $20,000 but unsecured loans are offered up to $2,000.

What is an unsecured loan?

A personal loan without security is called an unsecured loan. An unsecured loan is where there is no security or collateral required. The lender will offer an unsecured loan to someone who perhaps has had a steady income for a long time and the loan is not too large. If the lender provides a loan like this, they cannot seize assets from the borrower if they do not make their repayment obligations. However, they do have the right to pursue other channels to repay the debt.

What are your interest rates?

Interest is the ‘payment’ or premium you pay for getting an advance of money (loan). The interest rate is expressed as an annual percentage of the money that you owe on your loan. We use that percentage to calculate the interest repayments.

Interest rates can vary depending on the lender and depending on other factors. Factors such as your credit score and whether you are providing adequate security can affect the interest rate on your personal loan. Our interest rates start from 9.95%

Duration of loan

How long you should borrow for depends on two things – how much money you need to borrow and how much you can repay each pay period. Most lenders will give you the option on paying weekly, fortnightly or monthly, depending on your circumstances. Usually this repayment will depend on when you are paid – weekly, fortnightly or monthly.

Quick Loans NZ have an interactive tool called a repayment calculator which helps you to decide how long your long period should be depending on your personal circumstances. The shortest period for repayment is around 6 months and the longest period is around 3 years – bearing in mind that Quick Loans will not penalise you for paying off your loan faster than the contractual period.

What sort of fees can I expect?

Different lenders have very different fee structures, and it is important that you take time to research the options available.

Establishment fees

An establishment fee is a one-off fee to cover the costs involved in the processing of the loan application. This includes the credit checks and costs to register security. Our establishment fees can be viewed here.

Administration fees

Administration fees cover the ongoing costs of maintaining a loan file. This can relate to processing payments, generating and sending statements and establishing or changing payment arrangement. This fee can be charged daily, weekly, monthly or annually depending on the lender. At Quick loans the fee is $12 or 15 per month.

Default fees

Default fees are only charged when a borrower misses payments on their loan. These payments vary depending on how much in dollar terms or how much in terms of time period the borrower is behind on their repayments. There are different types of default fees depending on what is happening. It could be a late payment fee or default interest or maybe there are fees due that are related to the repossession process. Refer to our default fees here.

Early repayment fees

There are certain lenders that may charge an early repayment fee if you want to pay off the loan earlier than the contractual date. Quick Loans NZ does not charge you for early repayment. If you want to repay early and save yourself some interest repayments then that is good for you!..we will not penalise you for this.

More Information

If you want to talk to us about applying for a loan please call Quick Loans on 0800 200 275 or simply apply online.

Quick Loans can help you with personal loans, cash loans, debt consolidation and car loans.

This is not legal advice.

Cash loans can be a necessity when looking for a quick financial solution, however, it is important to consider that the loan will need to be repaid over a set term. If your cash loan allows for an early payoff without an extra fee, you’ll have the opportunity to save money on interest allowing you to free up your funds for other expenses sooner. Here at Quick Loans we are nice and we do not charge an early payment fee and you will also save interest if you pay it faster or in a lump sum.

Why should I pay off my cash loan early?

Depending on your cash loan’s interest rate, having a longer loan term will result in having to repay more in interest.  If you’re able to pay your cash loan off before the term ends, you can actually save money by not having to pay as much interest. The bottom line is that paying off your cash loan early will usually save you money in interest and decrease the overall term of the loan.

How to pay off a cash loan early

Round up your payments

One way to pay off your cash loan faster is by rounding up your payments. Instead of just paying the recommended amount, consider rounding your payment up to the nearest $50. This strategy could potentially save you hundreds of dollars in interest.

If $5,000 was borrowed at a 12.95% interest rate over 24 months, your monthly payment would be $271.64. Your cash loan would be repaid in 24 months having paid $759.31 in interest.

 Simply by rounding up payments to $300 a month, your cash loan would be repaid in 22 months, having paid only $647.77 in interest — that’s a saving $111.54.

Don’t skip payments

It can be tempting to skip a cash loan payment or two when given the ability too. Resist the temptation. Be aware that skipping payments will lengthen the term of your loan and cost you more in interest.

Make additional payments

Have you acquired some extra money? Put it towards your cash loan – this is another easy way to have it paid off faster. Use your tax refund, bonus, or pay rise to make extra payments. You will be tempted to put this money towards your wants but this less glamorous scenario it is the most financially responsible as it will save you in interest costs.

Reduce your expenses

If the idea of reducing your bills appeals to you, think about what extra expenses you could temporarily cut out of your life. Maybe you could ditch subscription TV?  You could also reduce your expenditure on dining out, entertainment or shopping budgets. If you look closely, you’ll find an area in your budget to cut down on expenses, and this newly freed up cash can go towards paying off your cash loan faster.

What will my savings be with early repayment?

The savings will vary and depend upon the loan size, the interest rate, and loan term. It’s important to keep in mind that if you have a small loan balance remaining and a low-interest rate – then you probably won’t save much. However, if you have a large loan balance and a high-interest rate and repay your cash loan well before the expiration of the loan term, then you may save thousands. Some cash loans may come with an early repayment fee so ensure you are aware of any additional fees or charges.  Quick Loans do not charge any fees for an early repayment, which means you will save money on interest if you can pay off your cash loan early.

Is early repayment right for me?

Even though it may seem like paying your cash loan off early could be a great way to save money, you might find it doesn’t make sense for your situation. If you choose to continue repaying the balance on your cash loan, keeping the account open for the loan’s full term will show lenders that you can make your payments in full and on time, potentially resulting in an increased credit score. When applying for future cash loans, you should have the ability to qualify for better loan terms with your increased credit score.

More Information

If you want to talk to us about applying for a loan please call Quick Loans on 0800 200 275 or simply apply online.

Quick Loans can help you with personal loans, cash loans, debt consolidation, and car loans.

This is not legal advice.

All about same day loans

There are numerous benefits when it comes to applying for the same day loan. It’s the ability to get the finance you need in an urgent situation without the need to worry about time-consuming processes that will cause delays and frustrations. A same day loan can swiftly bridge the gap in your budget when the necessity arises. They are designed with speed in mind so you can fill out the online application and get a decision on your application quickly. Same day loans are a simple and flexible type of financial product but there are also other reasons to consider financing this way:

A convenient way to borrow

Same day loans are one of the most convenient approaches to getting the finance you need quickly to deal with any emergency or monetary worry. The online application makes for a purely digital process. To get a same day loan, you can apply from home, the office, or wherever you may be – as long as you have access to the internet. There are no queues to stand in and no appointments to book. Everything happens online. At Quick Loans, the application process is also completely transparent. You will not find any hidden information, so what you see is what you get.

Quick decisions and fast funding

When it comes to same day loans, the main benefit – especially when compared to other loan alternatives, is the quick decisions and fast funding. The application process is quick. Upon the completion of additional credit and affordability checks and once approval is obtained, the money can be paid into your bank account as early as the same day. When compared to other forms of finance, it may take you a few weeks to receive a credit card which is not ideal for an emergency. That’s our goal at Quick Loans – to get our customers the money they need fast.

Plan your repayment

Flexibility is the nature of same day loans. It’s important to have a repayment strategy in place to help you repay your loan on time to avoid additional fees or penalties. Same day loans are structured to meet your individual needs and repayment options are designed with this in mind.

You can have the certainty of knowing how much you need to repay, on a repayment schedule that best suits you. Also, if you have the ability to make early repayments or overpayments against your loan to make savings on the overall interest charged, that’s fine too. Quick Loans believes that it’s your same day loan so you can repay the funds your way.

Use your loan how you like

The need for flexibility and speed when it comes to same day loans is essential but best of all, there are no restrictions for what you can use the funds for. The convenience of having the loan paid into your bank account puts money in your pocket to help with daily finances or emergency expenses. Same day loans can be used for all kinds of emergencies to get your life back on track. Quick Loans does not try to restrict the use of your money. Do you need a holiday? To repair your car? Or to cover an unexpected bill? It is your money, so you can use it how you like.

Find out More

If you want to talk to us about applying for a loan please call Quick Loans on 0800 200 275 or simply apply online.

Quick Loans can help you with personal loans, cash loans, debt consolidation and car loans.

This is not legal advice.

It can be a daunting prospect navigating the options for a same day loan. There are many questions you may be asking yourself about getting a same day loan.

• How do I know that I’m getting the best deal possible for me?
• Is a same day loan the right kind of loan for me?
• What can I use a same day loan for?….

Well, here are a few tips to help you make the decision about a same day loan.

Be organised

Before you even decide whether a same day loan is right for you, remember to be organised. If you can keep all the documentation you will need and all the research material that you have gathered, it will make it much easier once you have your loan to manage things. This means all the details of your lender in case you need to contact them and importantly your contract or loan agreement. This contract will have all you need to know about your same day loan.

Why a same day loan?

If you can figure out why you need a same day loan, that will help you with your decision making. You may have a surprise dental bill or vet bill that cannot wait, or perhaps you have a funeral to go to out of town. There may be emergency repairs for your house or vehicle, but whatever it is, a same day loan could help you out of that difficult situation promptly.
It’s good to know what you need a same day loan for so that you have an idea of how much you need to borrow and don’t borrow more that you need.

Do your research

Same day loans can be used for lots of different reasons and can include car loans, personal loans or emergency loans. Its best to do your research as to the type of loan that suits you best. A same day loan can be used for anything that you need to get sorted quickly.

What is the process?

One of the most important tips for same day loans is to be clear what the process for applying for this type of loan will be. You can apply for a same day loan through Quick Loans NZ. We provide a full range of loans that are fast and easy to apply for – particularly a same day loan. You can apply online and have the funds into your account on the same day.

The process to apply for a loan with Quick Loans is quick and easy! You need to apply using our online application form. There is no printing or scanning required and definitely no visits to the bank needed. So, no costly bank statement fees or long queues at the bank – it is all done online. Easy as! The online application will ask you things like how much you want to borrow, how long you will need to pay it back, how often you will make payments, and when you can make your first repayment.

What do I need to provide?

Same day loans often will need to be secured. This means that you will need to provide some type of security to hold against the value of the loan. This may be a vehicle or boat that would have enough value to cover the value of the loan. If you are using a vehicle, it would need to have up to date WOF and registration. You will need to provide information such as the registration number of the vehicle, make, model, year and if there is any money owing on the vehicle.
You will also need to provide some form of photo identification such as a driver license or passport and access to bank statements.

How much can I borrow?

As a rule of thumb it is best to borrow no more than you really need. We can help you assess your personal financial situation and see how much you can afford to borrow. It is also important to make sure you can afford the repayments.

We have an easy to use repayment calculator on our website so that you can see how much you would expect to repay on various sized loans. This will help you to see what you can afford in terms of repayments.

It can be a real help to have a budget that will set out your repayments and your personal expenditure, so that you can make sure the loan is affordable for you. We will make sure that you get the best deal to suit you and your needs.

What is the process for approval?

Getting approval for a same day loan depends on a few things. Most finance companies will look at your income and your credit history. Quick Loans NZ looks at this too but also at many other factors. We treat you as an individual and will assess your application based on many other factors, such as affordability, security and how much you want to borrow. So, if you have bad credit, you may still be able to get approval for your same day loan. Our online approval is designed to consider your own personal circumstances. Once a loan is approved it can be signed electronically and that is how you get a same day loan.

Interest rates and penalties

Here at Quick Loans NZ, our interest rates are calculated according to your credit score and the collateral (security). We don’t have any hidden fees or surprise interest rates. The interest rates are fixed for the term of the loan and any default fees are agreed at the start, in the contract. We will not charge you extra if you want to pay off the loan early. But here’s the tip, check out finance companies interest rates and penalties, as this could save you a lot of money. We are here to help and want the same day loan to work for you.

So, keep these tips in mind when looking to get a same day loan. You will be in a better position to get a loan that is right for you.

More Information

If you want to talk to us about applying for a loan please call Quick Loans on 0800 200 275 or simply apply online.

Quick Loans can help you with personal loans, cash loans, debt consolidation and car loans.

This is not legal advice.

Have you ever wondered what your credit score is? Perhaps you already know your score and want to know how to improve it. Or maybe you want to buy a new car and are thinking, “What’s a good score for car loan?”

If yes, this article is just for you.

We’ll lay down the answers to these questions, and some more.

You’ll learn:

• What is a credit score?
• How is credit score calculated?
• How to check your credit score?
• What is a good credit score?
• How to improve credit score?
• What to do when you don’t have a credit score?

What is a Credit Score? 

A credit score in New Zealand is a single number typically between 0 and 1,000 that demonstrates your creditworthiness to lenders — that is, how likely you are to pay off a loan. The higher your score, the better your creditworthiness.

Lenders use the credit score to decide:

• Whether to lend you money or not.
• How much money to lend you.
• How much interest rate to charge you.

Typically, lenders offer more credit, and at better rates, to consumers with an impressive credit score. That said, a high credit score by itself doesn’t guarantee loan approval.

Effectively a credit score is as a barometer of a borrower’s credit health, it has its limits. That’s because it reflects only the “meat and potatoes” of an individual’s financial habits — things such as debt repayment history, debt accumulation status, and active accounts.

Furthermore, a credit score is just a number. It doesn’t shed any light on why your score is the way it is.

For these reasons, lenders also frequently check a borrower’s credit report to get a true picture of their creditworthiness. A credit report tells lenders all about your credit history, including the following information:

• The amount of credit you’ve received or applied
• Your track record in paying back debts
• The type of loans you’ve taken, such as personal loans, mortgages, car loans loans etc.
• The length of time different credit accounts have stayed active
• Whether you are seeking new credit or loans

How is Your Credit Score Calculated? 

Your credit score is based on both the positive and negative financial history found in your credit report. In simple words, this basically means:

• If you consolidate all your loans into one and repay your loans on time, your credit score may get better
• If you have different types of loans, like cash loans, mortgages, etc., and miss payments or default on a loan, your score will get worse

As you can see, the system rewards financial stability and timely payments and penalizes financial instability and late payments.

Of course, things are much more complicated than this. Your final score is calculated after taking into account a number of factors. These include:

• The average age of all your accounts, as well as the oldest and the newest account
• For how long your accounts, including vehicle or car loans, personal loans, overdrafts, and others, have been active
• How many accounts you have in total and how many were opened recently
• Late payment history, including default payments
• Your monthly payment history, including mortgages, credit cards, car mortgages, personal loans, hire purchases and other
• Your payment history of utility bills, like electricity, energy and phone bills
• Any enquiries made by lenders of your credit report in the past 5 years
• Any bankruptcies filed in the last 7 years

Of course, different behaviors impact your credit score differently. Generally speaking, the more severely an action affects your ability to make repayments, the greater its impact on your credit score.

So, defaulting on your mortgage is likely to have a far greater negative impact on your score than being a week late on your electricity payment.

How Can You Check Your Credit Score? 

There are three credit reference agencies in New Zealand: Centrix, illion, and Equifax. Each of them calculates the credit score differently. That’s why there’s no such thing as a comprehensive national credit score.

You can check your credit score for free using any of these three options:

• My Credit File (owned by Equifax) – It provides the credit report for free within 10 business days. All you have to do is fill in your personal details. Are you in a rush to access your report? You’ll have to pay for it. The paid service delivers the credit report within 3 business days.
• Centrix – Fill in your details to get a copy of your credit report for free in 5 to 10 working days.
• Credit Simple (owned by illion) – A free, easy-to-use online portal, Credit Simple lets you access your score after you sign up.

What is a Good Credit Score? 

In New Zealand, anything above 650 is regarded as a average credit score, according to Centrix. A higher credit score improves your chances of getting a loan. Also, lenders typically offer lower rates to consumers with a better credit history.

A below-par credit score, however, doesn’t mean the end of road of you. You can still get a loan, but you may have to pay more interest.

Also, different lenders may set a different cut-off mark. Furthermore, a good credit score for one type of loan may not be sufficient for another type. For instance, cash loans may have a lower minimum credit score than say a mortgage.

Centrix Credit Score Table

Source: https://www.centrix.co.nz/we-answer-the-top-three-personal-credit-score-questions/

How to Improve Your Credit Score? 

If your credit score is lower than you would like, there are many short-term and long-term steps that you can take to improve it.

Short-term Strategies

• Check Your Credit History

A mistake on one of your credit reports could be hurting your score. So, get a copy of your credit report without delay and check it for errors before doing anything else.

If you find a mistake, contact the relevant credit reporting company and get it sorted out. The correction will then flow onto your credit score. Things you should particularly watch out for include:

• Credit enquires not approved by you
• Payment defaults you had no idea about
• Credit accounts you never remember applying for

If you see any severe error in the report, such as a credit card that you hadn’t applied for, you may have been scammed. Check out this link to know what you should do in that case.

• If you’ve defaulted, pay it up

Did you default on a loan in the past, but are in a position to pay it off now? If yes, do so.

The default will reflect on your report for 5 years, irrespective of whether you pay or don’t pay it. However, if you pay up, its impact will reduce (even though it won’t go away completely). Plus, paying off the loan will make you look more responsible and hold you in good stead the next time you shop for a loan.

• Talk to your lender

In case your financial situation doesn’t allow you to pay up an existing debt, speak to your lender. Sit with them to work out a payment plan that you stick to rather than missing one payment after another, which will only hurt your credit score and overall credit profile.

Long-term Strategies

• Consider debt consolidation

Debt consolidation combines several debts into one, typically with a much lower interest. Savings on interest and having to pay fewer payments can help you stay on top of your debt.

For instance, in New Zealand, it’s not uncommon to see personal loan rates in the range of 29.95% per annum or credit card rates of around 24.95% per annum. In comparison, many lenders offer plans for consolidating debts starting at less than 9.95% per annum.

Combining multiple smaller, high-interest debts into one big loan with a lower interest rate can make it easier for you to pay off debt. This, in turn, will reflect positively on your credit report.

• Pay your bills on time

Build up a history of good repayment and demonstrate responsible financial behavior by paying bills on time.

• Avoid taking on more debt

As much as possible, avoid piling on more debt. Creating a monthly budget, saving for items instead of swiping a credit card, and using a prepay mobile are all small yet effective tips to keep your expenditure under control.

What To Do When You Don’t Have A Credit Score? 

If you have not borrowed before, you will not have a credit history and, consequently a credit score. Getting credit without a borrowing history is difficult — but not impossible.

You can ask a family member or a close friend with an impressive credit history to co-sign or as a guarantor. However, remember this is no small favor. The co-signer or guarantor will have to make payments if you can’t or don’t.

Another option is to go for a secured loan, which most lenders are happy to offer to those who don’t have a credit score. However, you will have to deposit something as collateral and the credit limit will be based on the value of the collateral.

More Information

If you want to talk to us about applying for a loan please call Quick Loans on 0800 200 275 or simply apply online.

Quick Loans can help you with personal loans, cash loans, debt consolidation and car loans.

This is not legal advice.